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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]OK i was having some issues with caches and DCUM (and Instagram) wouldn't load on my computer for a day there.  But I had some space to think about things!

I finally put the stuff in a debt payoff calculator and came up with a plan I happy with and that seems to be a win / win so there's that.

Two - interesting point here to consider the rate of returns but also factoring in taxes.  I am guessing my tax rate is appx. 30%.  So when thinking about my HYS, if it's 4.3%, so I really consider that it's only 70% of that - 3.01%?  Is that the correct way to look at it, or no?

I still don't have a porch but I have some more of a plan.  I am on a new personal finance journey.

“Start Where You Are. Use What You Have. Do What You Can.”[/quote]

For interest in savings account, yes, the tax would take about 30% of the return.

But in a 529, growth and dividends grow tax-free. And in a taxable account, dividends and capital gains are taxed at a lower rate than ordinary income.[/quote]

You could also do some ibonds which grow tax-free, adjust with inflation, and, if used for education are not taxed.  [/quote]

Isn’t there an income limit for tax free i bonds?[/quote]

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